Fractional CFO Services, Scaled To Your Stage
Who This Fits, And What It Solves
Fractional CFO work is not for every business. It fits the moment where the questions outgrow the books — when you are choosing between directions, sizing a move, or trying to read the year ahead instead of just the month just gone.
Owner-Led Businesses At An Inflection
You have outgrown spreadsheet planning but are not ready to staff a finance team. Decisions are getting bigger, the numbers are getting more consequential, and you want senior perspective before you commit — not after.
Companies With A Plan That Has To Hold
You are running against a budget, a forecast, or a set of commitments to partners or a board. The plan needs an owner who reads it monthly, explains the variances, and keeps it honest as the year moves.
Scope & Deliverables
A fractional CFO engagement is scoped around the decisions in front of you, not a fixed menu. The deliverables below are the shape most engagements take; the depth is tuned to the business.
Strategic Forecasting & Planning
Rolling forecasts, annual plans, and the scenarios behind them — translated from the income statement into a view of the year you can actually steer. We rebuild the forecast when the business changes rather than defending a number that no longer fits.
Cash & Capital Decisions
Cash runway, working capital, pricing trade-offs, and the timing of large moves. A fractional CFO turns the cash question from a bank-balance check into a decision the business makes on purpose, ahead of the gap instead of inside it.
Board- & Stakeholder-Ready Reporting
Monthly packages that say what happened, what it means, and what to do next — written for an audience that does not want to read a ledger. The same numbers, told for the people who have to decide with them.
A Standing Finance Partner
A regular cadence of reviews and an open line for the decisions that come up between them. The point is not a monthly deck; it is having someone who already knows the business when the question lands.
How The Work Runs
A fractional CFO engagement is a relationship, not a project. It runs on a cadence with a few fixed beats and a lot of room for the questions that come up along the way.
Diagnose The Finance Function
We start by reading the current books, reports, and plan together — what is solid, what is fragile, and where the decisions are being made blind. The diagnosis sets the scope.
Stand Up The Forecast And Plan
We build or rebuild the rolling forecast and operating plan around the way the business actually runs, so the numbers reflect reality and the variances mean something.
Run The Monthly Cadence
Each month: close, report, and review the plan against what happened. You get a short, honest read on the business and one or two decisions to make before next month.
Be Present For The Hard Calls
Between reviews, the fractional CFO is on call for the decisions that cannot wait a month — pricing, hiring, capital, commitments — with context already in hand.
How It Plays Out In Practice
Illustrative Scenario
A Growing Practice Weighing Its First Hire
- Rebuild the rolling forecast around real capacity, not last year's run rate
- Model the hire against margin and cash runway, not just salary
- Identify the revenue threshold where the decision pays for itself
- Set the monthly review that tracks the decision once it is made
Questions Before You Start
Most owners weigh a fractional CFO against a controller or a full-time hire. It helps to be clear on the role you are buying, the depth of presence you need, and how it sits alongside the accounting and reporting work you may already have.
If it is easier to talk through, start a conversation and we will scope it with you.
Pair This With The Right Scope
Most owners combine two or three services into one scoped engagement. These are the natural companions to Fractional CFO.
Begin A Scoped Engagement
Tell us where the business is today and where you want it to go. We'll propose a written scope you can hold us to — and adjust as the company grows.